Likely sold or withdrawnWe last saw this listing 17 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
Monthly profit +$1,187/mo from completion — the no.1 reason to invest
16.77% return before costs — above-market
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+$1K/mo
Pays you every month, net of costs
Price
$250K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$152K
Deposit + fees + refurb
Return before costson price16.77%5-yr return on cash 43%Rent est. $3,492 ($3,274–$3,725)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,274–$3,725/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $62,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $57,840–$108,380 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $187,425 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,187
after mortgage, operating costs & tax
Rent in$3,492/mo
$3,358Collected
$3,358/mo actually reaches you — the other $134 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,247Mortgage$1,058Costs$1,187Your profit
$1,187/mo left as profit · 35% of rent kept
Mortgage$1,247
Costs$1,058
Management$349
Maintenance$67
Insurance$28
CapEx reserve$175
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$1,187
Returns
Return before costson price16.77%
Cash returnon cash9.35%
Gross margin$2,300
Cash needed$152,348
Monthly profit payback10y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check1.48
Rent-covers-mortgage check PASS (target 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$41,904
$12,696
$14,963
$0
$2,706
$11,539
$11,539
Year 2
$43,161
$13,077
$14,963
$0
$2,873
$12,248
$23,786
Year 3
$44,456
$13,469
$14,963
$0
$3,044
$12,979
$36,766
Year 4
$45,790
$13,873
$14,963
$0
$3,221
$13,732
$50,498
Year 5
$47,163
$14,290
$14,963
$0
$3,403
$14,507
$65,005
Year 5 disposal
Disposal gain (gross)-$70,696
CGT$0
Net Disposal proceeds$269,012
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 4878.4 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Likely sold or withdrawnWe last saw this listing 17 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
85/100
Strong
Real 16.77% — fundamentals work.
Monthly profit+$1,187/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
16.77% Return before costs — above-market
Monthly cashflow
+$1K/mo
Pays you every month, net of costs
Price
$250K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$152K
Deposit + fees + refurb
Return before costson price16.77%5-yr return on cash 43%Rent est. $3,492 ($3,274–$3,725)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,274–$3,725/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $62,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $57,840–$108,380 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $187,425 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,187
after mortgage, operating costs & tax
Rent in$3,492/mo
$3,358Collected
$3,358/mo actually reaches you — the other $134 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,247Mortgage$1,058Costs$1,187Your profit
$1,187/mo left as profit · 35% of rent kept
Mortgage$1,247
Costs$1,058
Management$349
Maintenance$67
Insurance$28
CapEx reserve$175
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$1,187
Returns
Return before costson price16.77%
Cash returnon cash9.35%
Gross margin$2,300
Cash needed$152,348
Monthly profit payback10y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check1.48
Rent-covers-mortgage check PASS (target 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$41,904
$12,696
$14,963
$0
$2,706
$11,539
$11,539
Year 2
$43,161
$13,077
$14,963
$0
$2,873
$12,248
$23,786
Year 3
$44,456
$13,469
$14,963
$0
$3,044
$12,979
$36,766
Year 4
$45,790
$13,873
$14,963
$0
$3,221
$13,732
$50,498
Year 5
$47,163
$14,290
$14,963
$0
$3,403
$14,507
$65,005
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
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Acquisition costs
$152K
25% deposit$62,475
Refurb$83,110
Legal + survey$1,700
Mortgage + broker$4,749
Cash needed$152,348
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Zillow · County records · GreatSchools Estimates not financial advice